Side-by-side · Q2 2026 data
United Southern Bank vs Citizens Deposit Bank of Arlington, Inc.
Metric by metric
| Measure | United Southern Bank | Citizens Deposit Bank of Arlington, Inc. |
|---|---|---|
| TellerScore | 81 (stronger) | 77 |
| Capital cushion | 77 | 87 (stronger) |
| Loan quality | 88 (stronger) | 69 |
| Earnings | 78 | 84 (stronger) |
| Funding & liquidity | 70 (stronger) | 54 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 80th | 68th |
| Total assets | $353.7M | $348.2M |
| Deposits / shares | $308.3M | $287.8M |
| Capital ratio | 12.66% | 13.66% (stronger) |
| Problem loans | 0.37% (stronger) | 0.94% |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 1.46% | 1.60% (stronger) |
| Loans ÷ deposits | 90.1% | 85.1% (stronger) |
| Uninsured deposits | 12.4% (stronger) | 34.5% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Southern Bank has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 4 and Citizens Deposit Bank of Arlington, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.